|
|
07-28-2018, 07:23 AM
|
#41
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2009
Posts: 6,695
|
Quote:
Originally Posted by audreyh1
We certainly travel with backup cards (kept in physically different locations), but I am meticulous about setting up travel notices for any credit or debit cards I take on a trip and have not had denial problems due to location.
I used to run into problems as soon as I was about 250 miles driving from my home area. I also sometimes run into problems pre-trip when buying train tickets or tours from an overseas vendor - there is no way to set up a “I’m about to order from overseas” notice online although you can actually call in such a thing to the cc Fraud Department. These are usually quickly resolved through texts or automated calls. We recently ordered something online from a new US vendor and had to OK charges via an automated call.
But once we’re traveling with travel notices in effect, we haven’t had problems.
|
When I took Amtrak from NY to Indiana and Kentucky 4 years ago, I gave both CC banks and my debit card bank travel notices. It was mildly annoying to have to call 2 different numbers for my BoA debit card and CC, though. But when I used my main CC for a purchase while in Kentucky, I had no problem. I didn't have online banking a the time, so I couldn't use BoA's on line feature to set up travel notices.
How far away can you travel without giving a travel notice? We have a lot of small states here in the northeast, so driving less than 200 miles can have you cross 1 or 2 state lines.
__________________
Retired in late 2008 at age 45. Cashed in company stock, bought a lot of shares in a big bond fund and am living nicely off its dividends. IRA, SS, and a pension await me at age 60 and later. No kids, no debts.
"I want my money working for me instead of me working for my money!"
|
|
|
|
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!
Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!
You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!
|
07-28-2018, 07:29 AM
|
#42
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2014
Posts: 7,372
|
Quote:
Originally Posted by scrabbler1
How far away can you travel without giving a travel notice? We have a lot of small states here in the northeast, so driving less than 200 miles can have you cross 1 or 2 state lines.
|
It must depend on the banks. I've had mine rejected for that reason only twice: once when DH and I were in Russia in 2003 (OK, that was understandable) and once in London in 2014. I don't let them know beforehand- I suspect that my history shows enough international travel that they don't get excited.
One more reason to have a backup: my Fidelity card has a FX fee of 1%. My new AA card does not. Will have to use them both on my upcoming trip to Scotland and see if the AA card charges a higher FX rate to make up for it.
|
|
|
07-28-2018, 08:11 AM
|
#43
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,139
|
Quote:
Originally Posted by scrabbler1
When I took Amtrak from NY to Indiana and Kentucky 4 years ago, I gave both CC banks and my debit card bank travel notices. It was mildly annoying to have to call 2 different numbers for my BoA debit card and CC, though. But when I used my main CC for a purchase while in Kentucky, I had no problem. I didn't have online banking a the time, so I couldn't use BoA's on line feature to set up travel notices.
How far away can you travel without giving a travel notice? We have a lot of small states here in the northeast, so driving less than 200 miles can have you cross 1 or 2 state lines.
|
Well when I moved to way South Texas, driving to San Antonio was enough to trigger a fraud alert on some of our cards. First we would buy gas, then something else - maybe a meal, and then checking into a hotel would trigger it.
I am able to do ALL my travel notices online (including BofA) with the exception of the Fidelity ATM cards. Some places like PenFed do require several days ahead for online travel notices, but it still works fine. It’s way easier and faster online. I hated the telephone calls.
I used to be able to do a travel notice in PayPal, although only one country at a time, but that option is no longer available to me. However I was still able to use it from Europe this year, although I couldn’t log into my account from overseas?!? but instead redirected me to the PayPal for that country and there was no way around it. Lots of smaller tour vendors and attractions in Europe use PayPal and don’t take credit cards directly. Fortunately the payment mechanism from the vendor site would let me log into my account for the payment part.
__________________
Retired since summer 1999.
|
|
|
07-28-2018, 08:16 AM
|
#44
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,139
|
Quote:
Originally Posted by athena53
It must depend on the banks. I've had mine rejected for that reason only twice: once when DH and I were in Russia in 2003 (OK, that was understandable) and once in London in 2014. I don't let them know beforehand- I suspect that my history shows enough international travel that they don't get excited.
One more reason to have a backup: my Fidelity card has a FX fee of 1%. My new AA card does not. Will have to use them both on my upcoming trip to Scotland and see if the AA card charges a higher FX rate to make up for it.
|
Your AA card is a MasterCard or VISA? No, it won’t charge more to “make up” for no foreign transaction fee. It will use the standard VISA or MasterCard exchange rate that all cards do. You can look it up - search on exchange rate for the given card type.
__________________
Retired since summer 1999.
|
|
|
07-28-2018, 08:39 AM
|
#45
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: May 2014
Posts: 7,372
|
Quote:
Originally Posted by audreyh1
Your AA card is a MasterCard or VISA? No, it won’t charge more to “make up” for no foreign transaction fee. It will use the standard VISA or MasterCard exchange rate that all cards do. You can look it up - search on exchange rate for the given card type.
|
That's good news- thanks! It's a MasterCard.
|
|
|
07-28-2018, 08:45 AM
|
#46
|
Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,743
|
At one time we had 10 cards but we're down to 7 with one (chase amazon) used for amazon purchases only.
We always travel with a minimum of 4 cards from different companies. A few years ago DW was visiting family overseas with 2 cards an AMEX and BOA rewards. When making a purchase her BOA was declined because she forgot to notify the bank about her travel plans and AMEX was not accepted by the merchant.
We also carry a Fidelity debit card for no fee ATM transactions overseas.
|
|
|
07-28-2018, 12:17 PM
|
#47
|
Thinks s/he gets paid by the post
Join Date: Feb 2007
Location: Upstate
Posts: 2,950
|
Quote:
Originally Posted by audreyh1
Same here. ...
- Fidelity - got the 2% off everything Fidelity AMEX. Later this was replaced by the 2% off everything Amazon VISA.
- Amazon - 3% off with Amazon VISA by Chase - sign up bonus, plus 3% off at Amazon.
- DH also got an Amazon VISA because of the $30 bonus.
- These were later superseded by the Amazon Store Card with 5% credit for Prime Members, but we still have the Chase cards.
- I got a mileage Explorer card - nice mileage bonus.
- Later DH was offered a huge mileage bonus, so he also got one!
- PenFed - 5% off on gas. I needed a chip and PIN card for Europe - this was my first one. We regularly use it for gas.
- Costco AMEX, which later was replaced by the Costco VISA with 3% rewards on dining and travel, and 2% off at Costco, etc.
- I was enticed to get the Amex Blue Card when they were offering some sweet incentives that included 10% off Telecom for a year among other things. I bought a new iPhone for 10% off!
- Nice deal on the United Mileage Club Card - waived annual fee and several nice flying perks plus club access. So we downgraded both our Mileage Explorer cards to no annual fee versions.
- First Tech MasterCard - a PIN priority card with no FTF for European travel, and thus a bit more convenient than the PenFed card and the BofA Travel Rewards card. Also had rewards that PenFed didn't.
...
|
My main card over the last n years has been a SPG (Starwood) Amex. Very good per $ value, transfer to Amtrak (which under the old Amtrak zone travel rewards program was great for LD train trips), and since the Marriott merger gave me Marriott gold benefits (lounge access) with a 30K annual spend and a 3:1 point transfer from SPG to Marriott. This was particularly useful to me as I had (have) tons of Marriott and SPG points to use up from many years of mega-corp travel.
However, all good things come to an end with the combining of their rewards programs. Starting Aug 1, it will only be 2:1 in terms of $ to Marriott points, and no more Amtrak transfer. So, I am evaluating what I want my main card to be...and thinking of simplifying most spend into a simple cash back card (e.g. the Fido 2% card. I might go for the new Amtrak MasterCard, as they are currently offering 30K points w/a 1K spend (was 20K points) for one year (with a $79 annual fee), since my child would like to do another long distance train vacation (and there is no way I want to spend overnight in a coach seat).
|
|
|
07-29-2018, 05:24 AM
|
#48
|
Full time employment: Posting here.
Join Date: Oct 2017
Posts: 717
|
Quote:
Originally Posted by RobbieB
I have 5 credit cards from different banks. Fraud happens. I think 2 have been compromised multiple times and yup, each time you wait a week or 2 for the new card to arrive.
|
I’ve have had two debit cards compromised but so far no credit cards. We have a mileage card for most of our transactions, a backup CC through our bank, and a card through our brokerage firm...
__________________
Whatever failures I have known, whatever errors I have committed, whatever follies I have witnessed in private and public life have been the consequence of action without thought... - Bernard Baruch
|
|
|
07-29-2018, 06:12 AM
|
#49
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 38,139
|
Quote:
Originally Posted by WestUniversity
I’ve have had two debit cards compromised but so far no credit cards. We have a mileage card for most of our transactions, a backup CC through our bank, and a card through our brokerage firm...
|
Oooo - having debit cards compromised is very scary!
__________________
Retired since summer 1999.
|
|
|
07-29-2018, 06:29 AM
|
#50
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,361
|
We just went through this. DW lost her card a few weeks ago. I deferred reporting it lost and just monitored the charges on the card... hoping it would show up...it didn't.
Luckily, we have two other credit cards and DW used one of them in the interim. Finally, she nagged me to get a replacement.
I reported the card lost and they overnighted new cards to us. No sweat.
Only downside was having to create a new, different username on the credit card company's website.
Now I am sure that the lost card will show up in the next couple days.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.
Retired Jan 2012 at age 56
|
|
|
07-29-2018, 06:57 AM
|
#51
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,298
|
Quote:
Originally Posted by WestUniversity
I’ve have had two debit cards compromised but so far no credit cards. We have a mileage card for most of our transactions, a backup CC through our bank, and a card through our brokerage firm...
|
I only use debit cards for ATM withdrawals. Do you use them to pay regular charges instead of a credit card at times?
__________________
TGIM
|
|
|
07-29-2018, 08:41 AM
|
#52
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2010
Posts: 5,911
|
We have two cards for the same account. But they have slightly different numbers and our statement shows billings from each account.
We travel frequently and sometimes for extending periods. Our nightmare is not being able to source cash or credit facilities.
We typically travel with three credit cards and one debit card. We never use the latter. We keep them in seperate areas. We have had a credit card stolen during travel. We have also had credit purchases denied on one card but accepted on another card (visa vs mastercard vs. amex). Oddly enough they were all on line airline ticket purchases. I suspect that in some instances it wa attributable to the type of card and the vendor/processing charges that came with the card.
|
|
|
07-29-2018, 02:35 PM
|
#53
|
Full time employment: Posting here.
Join Date: Oct 2017
Posts: 717
|
Quote:
Originally Posted by audreyh1
Oooo - having debit cards compromised is very scary!
|
Both times the bank security group called me on the phone and asked if I knew where my debit card was. I said yes in my wallet. They asked if I made online purchases on European websites or was on any internet betting sites. I of course told them no. The old cards were immediately canceled and new cards were issued. They provisionally credited my account for the fraudulent dollars pending the outcome of their fraud investigation. They concluded it was fraud and the provisional dollars stayed in my account. Thankfully it ultimately was nothing more than a minor nuisance...
__________________
Whatever failures I have known, whatever errors I have committed, whatever follies I have witnessed in private and public life have been the consequence of action without thought... - Bernard Baruch
|
|
|
07-29-2018, 02:43 PM
|
#54
|
Full time employment: Posting here.
Join Date: Oct 2017
Posts: 717
|
Quote:
Originally Posted by Dtail
I only use debit cards for ATM withdrawals. Do you use them to pay regular charges instead of a credit card at times?
|
I asked the security rep that called me how these people potentially got my number. She said I would be surprised at the ways in which it happens and how often that it does happen, but she would not elaborate.
I will be happy when/if we go to full chip and pin for credit cards such as in Europe. It would certainly cut down on the amount of fraud. I guess until it hits the card companies hard enough financially, it won’t happen...
__________________
Whatever failures I have known, whatever errors I have committed, whatever follies I have witnessed in private and public life have been the consequence of action without thought... - Bernard Baruch
|
|
|
07-29-2018, 03:00 PM
|
#55
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,298
|
Quote:
Originally Posted by WestUniversity
I asked the security rep that called me how these people potentially got my number. She said I would be surprised at the ways in which it happens and how often that it does happen, but she would not elaborate.
I will be happy when/if we go to full chip and pin for credit cards such as in Europe. It would certainly cut down on the amount of fraud. I guess until it hits the card companies hard enough financially, it won’t happen...
|
Had cc break-ins multiple times and was always interested in finding out who did it, but BOA will just not give out any hints or details.
__________________
TGIM
|
|
|
07-29-2018, 04:51 PM
|
#56
|
Thinks s/he gets paid by the post
Join Date: Sep 2006
Posts: 1,743
|
Quote:
Originally Posted by Dtail
I only use debit cards for ATM withdrawals.
|
+1.
I only use my debit cards to get cash at bank ATMs and mostly inside the bank. They are less likely to have skimmers installed on them.
|
|
|
07-29-2018, 04:55 PM
|
#57
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2004
Location: South Texas~29N/98W Just West of Woman Hollering Creek
Posts: 6,673
|
I usually roll with 2 CCs. My Visa card is primary and Discover Card is my back-up. Since I charge close to 100% of my purchases, I generally ask for, and keep, the receipt.
I only use a debit card when I get a discount for doing so.
__________________
Part-Owner of Texas
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read. Groucho Marx
In dire need of: faster horses, younger woman, older whiskey, more money.
|
|
|
07-29-2018, 05:25 PM
|
#58
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Aug 2004
Location: Laurel, MD
Posts: 8,327
|
Quote:
Originally Posted by Dtail
Had cc break-ins multiple times and was always interested in finding out who did it, but BOA will just not give out any hints or details.
|
Why do you think they know? I had BoA debit card compromised and they contacted me before I had a clue. I think they said the card was used at a grocery store in TX and the card was present. I had recently returned from a trip and took turns with a colleague paying for meals at a dive joint near the hotel. He was compromised also. They must’ve stolen the numbers and sold them to someone that could replicate the cards.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
|
|
|
07-29-2018, 05:41 PM
|
#59
|
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jan 2018
Location: Tampa
Posts: 11,298
|
Quote:
Originally Posted by jazz4cash
Why do you think they know? I had BoA debit card compromised and they contacted me before I had a clue. I think they said the card was used at a grocery store in TX and the card was present. I had recently returned from a trip and took turns with a colleague paying for meals at a dive joint near the hotel. He was compromised also. They must’ve stolen the numbers and sold them to someone that could replicate the cards.
|
Well they have a fraud department, which theoretically researches the fraud. So what exactly are they researching, since I am always reimbursed?
If I am unsure of the joint, I bring my substitute card and use it.
__________________
TGIM
|
|
|
Having a Backup Credit Card?
07-30-2018, 12:24 PM
|
#60
|
Full time employment: Posting here.
Join Date: Oct 2017
Posts: 717
|
Having a Backup Credit Card?
Quote:
Originally Posted by Dtail
Well they have a fraud department, which theoretically researches the fraud. So what exactly are they researching, since I am always reimbursed?
If I am unsure of the joint, I bring my substitute card and use it.
|
When my bank contacted me they said the expenditures were “outside my spending patterns”.
They are obviously monitoring our activity and must have dollar thresholds and location criteria that the fraudulent activity fell outside of, prompting some kind of alert in their system...
__________________
Whatever failures I have known, whatever errors I have committed, whatever follies I have witnessed in private and public life have been the consequence of action without thought... - Bernard Baruch
|
|
|
|
|
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
|
|
Thread Tools |
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Threads
|
|
|
|
|
|
|
|
|
|
|
|
|
» Quick Links
|
|
|